CLOVER HEALTH INVESTMENTS CO (CLOV)
US18914F1030 - Common Stock
We assign a fundamental rating of 2 out of 10 to CLOV. CLOV was compared to 107 industry peers in the Health Care Providers & Services industry. CLOV scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. CLOV does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
CLOV had negative earnings in the past year.
In the past year CLOV has reported a negative cash flow from operations.
CLOV had negative earnings in each of the past 5 years.
CLOV had a negative operating cash flow in each of the past 5 years.
1.2 Ratios
With a Return On Assets value of -13.99%, CLOV is not doing good in the industry: 75.24% of the companies in the same industry are doing better.
With a Return On Equity value of -26.71%, CLOV is not doing good in the industry: 64.76% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -13.99% | ||
| ROE | -26.71% | ||
| ROIC | N/A |
ROA(3y)-47.04%
ROA(5y)-28.38%
ROE(3y)-93.07%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin and Operating Margin and Gross Margin are not available for CLOV so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
CLOV does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for CLOV has been increased compared to 1 year ago.
There is no outstanding debt for CLOV. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
CLOV has an Altman-Z score of 0.79. This is a bad value and indicates that CLOV is not financially healthy and even has some risk of bankruptcy.
CLOV has a worse Altman-Z score (0.79) than 68.57% of its industry peers.
There is no outstanding debt for CLOV. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.79 |
ROIC/WACCN/A
WACC9.24%
2.3 Liquidity
CLOV has a Current Ratio of 1.55. This is a normal value and indicates that CLOV is financially healthy and should not expect problems in meeting its short term obligations.
Looking at the Current ratio, with a value of 1.55, CLOV is in line with its industry, outperforming 58.10% of the companies in the same industry.
CLOV has a Quick Ratio of 1.55. This is a normal value and indicates that CLOV is financially healthy and should not expect problems in meeting its short term obligations.
CLOV's Quick ratio of 1.55 is in line compared to the rest of the industry. CLOV outperforms 60.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.55 | ||
| Quick Ratio | 1.55 |
3. Growth
3.1 Past
CLOV shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 60.00%, which is quite impressive.
Looking at the last year, CLOV shows a very negative growth in Revenue. The Revenue has decreased by -36.24% in the last year.
EPS 1Y (TTM)60%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%77.78%
Revenue 1Y (TTM)-36.24%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-31.34%
3.2 Future
The Earnings Per Share is expected to grow by 19.08% on average over the next years. This is quite good.
The Revenue is expected to grow by 1.60% on average over the next years.
EPS Next Y72.95%
EPS Next 2Y29.74%
EPS Next 3Y19.86%
EPS Next 5Y19.08%
Revenue Next Year-31.05%
Revenue Next 2Y-10.28%
Revenue Next 3Y-1.84%
Revenue Next 5Y1.6%
3.3 Evolution
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings Ratio is negative for CLOV. In the last year negative earnings were reported.
Also next year CLOV is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A more expensive valuation may be justified as CLOV's earnings are expected to grow with 19.86% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y29.74%
EPS Next 3Y19.86%
5. Dividend
5.1 Amount
CLOV does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
CLOVER HEALTH INVESTMENTS CO
NASDAQ:CLOV (1/6/2025, 5:58:48 PM)
After market: 3.3802 +0 (+0.01%)3.38
+0.09 (+2.74%)
Chartmill FA Rating
GICS SectorHealth Care
GICS IndustryGroupHealth Care Equipment & Services
GICS IndustryHealth Care Providers & Services
Earnings (Last)
Earnings (Next)
Inst Owners18.15%
Inst Owner Change0%
Ins Owners4.84%
Ins Owner Change9.42%
Market Cap1.69B
Analysts78
Price Target4.77 (41.12%)
Short Float %3.77%
Short Ratio2.47
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)85.56%
Min EPS beat(2)50.98%
Max EPS beat(2)120.14%
EPS beat(4)4
Avg EPS beat(4)54.6%
Min EPS beat(4)1.49%
Max EPS beat(4)120.14%
EPS beat(8)8
Avg EPS beat(8)43.11%
EPS beat(12)10
Avg EPS beat(12)33.39%
EPS beat(16)12
Avg EPS beat(16)3.93%
Revenue beat(2)1
Avg Revenue beat(2)-1.59%
Min Revenue beat(2)-6.29%
Max Revenue beat(2)3.1%
Revenue beat(4)3
Avg Revenue beat(4)1.71%
Min Revenue beat(4)-6.29%
Max Revenue beat(4)5.88%
Revenue beat(8)6
Avg Revenue beat(8)2.62%
Revenue beat(12)10
Avg Revenue beat(12)3.38%
Revenue beat(16)13
Avg Revenue beat(16)2.55%
PT rev (1m)29.41%
PT rev (3m)108.94%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-10.51%
EPS NY rev (1m)0%
EPS NY rev (3m)8.85%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)6.64%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.21%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A | ||
| P/S | 1.1 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 4.95 | ||
| P/tB | 4.99 | ||
| EV/EBITDA | N/A |
EPS(TTM)-0.19
EYN/A
EPS(NY)-0.14
Fwd EYN/A
FCF(TTM)-0.22
FCFYN/A
OCF(TTM)-0.22
OCFYN/A
SpS3.08
BVpS0.68
TBVpS0.68
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -13.99% | ||
| ROE | -26.71% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)-47.04%
ROA(5y)-28.38%
ROE(3y)-93.07%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover2.37
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 60.44% | ||
| Cap/Sales | 0.07% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.55 | ||
| Quick Ratio | 1.55 | ||
| Altman-Z | 0.79 |
F-Score6
WACC9.24%
ROIC/WACCN/A
Cap/Depr(3y)152.17%
Cap/Depr(5y)N/A
Cap/Sales(3y)0.07%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)60%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%77.78%
EPS Next Y72.95%
EPS Next 2Y29.74%
EPS Next 3Y19.86%
EPS Next 5Y19.08%
Revenue 1Y (TTM)-36.24%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-31.34%
Revenue Next Year-31.05%
Revenue Next 2Y-10.28%
Revenue Next 3Y-1.84%
Revenue Next 5Y1.6%
EBIT growth 1Y70.62%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year126.52%
EBIT Next 3Y34.68%
EBIT Next 5YN/A
FCF growth 1Y-45.19%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-45.37%
OCF growth 3YN/A
OCF growth 5YN/A